Loan rates

All rates subject to change.

Loan type Value Term APR
* Auto loans over $30,000 may be financed for 72 months.
** Additional restrictions apply. Contact us for more information.
Personal loan $10,000 limit 48 months 10% to 16% APR
Personal loan $10,001 to $20,000 72 months 10% to 11.50% APR
Auto loan (new) Up to 100% of purchase price 60 months* 5.75% to 16%
Auto loan (used) Up to 100% of high Blue Book value 60 months* 6.5% to 16%
Share-secured 100% of available shares 60 months 4.5%
R.V. (new) Up to 100% of purchase price 84 months 8% to 16%
R.V. (used) Up to 100% of book value 84 months 8% to 16%
VISA® $10,000 limit n/a 12.9%
Payday Alternative Loan ** Up to $1,000 90 days 26%

Fee schedule

Current as of November 2016. All fees subject to change without notice.

General services
* Also applies to accounts with direct deposit that do not qualify for free service. Fee waived for active accounts.
** Four withdrawals free per month.
Account closed within 6 months of opening $15
Account closed within 12 months of opening $10
Returned deposit item $25
Levy, lien or garnishment $30 per notice
Interim statement (print or fax) $4 per month
Interim statement (email) $1.50
Statement copy $4 per month
Incoming wire $20
Outgoing wire $25
CU Travel Money Card $5
Address change received from post office $3
Address change received from member free
Corporate/cashier's checks $2 (when not payable to member)
Check cashing* 1% of check
Copy of corporate/cashier's check $7
Corporate/cashier's check stop payment $25
Escheat fee $7
Dormant account fee $5 per notice
Shares below $25 minimum $3 per month
Locater fee $15
Statement return fee/bad address $3
Document copies $2 per copy
Third-party verification letter $15
Lien satisfied/duplicate title fee $25
Excessive withdrawals** $2 per withdrawal
Club account early withdrawal or closure $5
Manual ACH posting $5
Visa cash advance 2% of cash advance amount
Share-draft fees
* Four withdrawals free per month.
Non-sufficient funds (draft or ACH) $28
NSF courtesy pays $28
Overdraft transfer from shares $6 for first 3
$10 each additional
Photocopy of draft $3
Stop payment fee $20
Stop payment draft (range) $30
Stop payment fee (EFT) $20
Self to self returned item fee $30
Collection item $30
Account research $30 per hour (minimum 1 hour)
Check orders Varies per selection
Excessive withdrawals* $2 per withdrawal
Debit card fees
Card replacement fee $15 first replacement
$20 each additional replacement
PIN notification or reset fee $5
Repeated fraud alerts $10 per incident
Rush orders At cost
Overdraft of account $28 (must opt in)
Loan fees
Loan processing fee $20
$30 after first 3 in 12-month period
Demand for payoff $50
DMV paperwork $25
Loan payment returned item $30
Insurance tracking 50 cents per month for term of loan